The Board of Directors of Union Bank of India today approved the accounts of the Bank for the Quarter ended June 30, 2025
The Board of Directors of Union Bank of India today approved the accounts of the Bank for the Quarter ended June 30, 2025
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Key Summary of Results
| Particulars (₹ in crores) | Quarterly | ||||
| Jun-24 (Q) | Mar-25 (Q) | Jun-25 (Q) | QoQ
(%) / bps |
YoY
(%) / bps |
|
| Total Business | 21,08,762 | 22,55,141 | 22,14,422 | -1.81 | 5.01 |
| Global Deposits | 11,96,548 | 12,72,247 | 12,39,933 | -2.54 | 3.63 |
| Current | 66,941 | 86,410 | 68,570 | -20.65 | 2.43 |
| Savings | 3,32,539 | 3,39,916 | 3,34,475 | -1.60 | 0.58 |
| CASA | 3,99,480 | 4,26,325 | 4,03,045 | -5.46 | 0.89 |
| CASA (%)-domestic | 33.40 | 33.52 | 32.52 | -100 bps | -88 bps |
| Retail | 1,82,316 | 2,16,777 | 2,29,040 | 5.66 | 25.63 |
| Agriculture | 1,88,939 | 1,78,479 | 1,71,606 | -3.85 | -9.17 |
| MSME | 1,22,774 | 1,36,423 | 1,44,441 | 5.88 | 17.65 |
| RAM Advances | 4,94,029 | 5,31,679 | 5,45,087 | 2.52 | 10.34 |
| Gross Advances | 9,12,214 | 9,82,894 | 9,74,489 | -0.86 | 6.83 |
| Earnings | |||||
| Interest Income | 26,364 | 27,695 | 27,296 | -1.44 | 3.53 |
| Non-Interest Income | 4,509 | 5,559 | 4,486 | -19.31 | -0.52 |
| Interest Expenditure | 16,952 | 18,181 | 18,183 | 0.01 | 7.26 |
| Operating Expenses | 6,136 | 7,373 | 6,690 | -9.27 | 9.02 |
| Net Interest Income | 9,412 | 9,514 | 9,113 | -4.22 | -3.18 |
| Operating Profit | 7,785 | 7,700 | 6,909 | -10.28 | -11.26 |
| Net Profit | 3,679 | 4,985 | 4,116 | -17.44 | 11.87 |
| Ratios | |||||
| NIM (%) | 3.05 | 2.87 | 2.76 | -11 bps | -29 bps |
| Cost of Deposits (%) | 5.36 | 5.61 | 5.53 | -8 bps | 17 bps |
| Yield on Advances (%) | 8.72 | 8.72 | 8.50 | -22 bps | -22 bps |
| Cost to Income Ratio (%) | 44.08 | 48.91 | 49.19 | 28 bps | 511 bps |
| RoA (%) | 1.06 | 1.35 | 1.11 | -24 bps | 5 bps |
| RoE (%) | 15.70 | 19.07 | 15.15 | -392 bps | -55 bps |
| Gross NPA (%) | 4.54 | 3.60 | 3.52 | -8 bps | -102 bps |
| Net NPA (%) | 0.90 | 0.63 | 0.62 | -1 bps | -28 bps |
| PCR (%) | 93.49 | 94.61 | 94.65 | 4 bps | 116 bps |
| Credit Cost (%) | 0.73 | 0.69 | 0.47 | -22 bps | -26 bps |
| CET-1 (%) | 13.81 | 14.98 | 15.30 | 32 bps | 149 bps |
| CRAR (%) | 17.02 | 18.02 | 18.30 | 28 bps | 128 bps |
Network:
- 8,649 Branches including foreign branches
- 8,976 ATMs
- 24,907 BC points
- 138 MLPs (MSME Loan Points)
- 140 RLPs (Retail Loan Points)
- 70 ALPs (Agriculture Loan Points)
- 113 Union MSME First Branches
- 1,685 Gold Loan Points
- 12 LCBs & 38 MCBs
- 3 SAMBs & 29 ARBs
Financial Inclusion schemes:
Financial Inclusion schemes launched by GOI with an aim to eliminate barriers and provide economically priced financial services to the less accessible sections of the society through government-backed schemes like PMJJBY, PMSBY, PMJDY and APY.
- Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY):
This is a Government- backed insurance scheme; where 4.35 lakhs new enrollments were done by the Bank for the quarter ended June 30, 2025.
- Pradhan Mantri Suraksha Bima Yojana (PMSBY):
This is Government- backed accidental insurance scheme; where 5.10 lakhs new enrollments were done by the Bank for the quarter ended June 30, 2025.
- Pradhan Mantri Jan Dhan Yojana (PMJDY):
Our bank is instrumental in opening 3.26 Crores accounts under PMJDY Scheme with balance of Rs. 13,089 Crores as on 30.06.2025. The corresponding figure was 2.99 Crores account with balance of Rs. 10,669 Crores as on 30.06.2024.
- Atal Pension Yojana (APY):
APY is a pension scheme, primarily targeted at the individuals working in unorganized sector, 1.73 lakh new enrollments were done by Bank for the quarter ended June 30, 2025.
- Union Nari Shakti Scheme for Women Entrepreneurs:
Sanctioned 2,881 Applications for Rs.503 crores during Q1FY26
- Credit facility towards Green initiatives: –
- Renewable Energy Sector: –Sanctioned Rs. 29,782 crores as on 30.06.2025
- Union Green Miles: –Sanctioned amount Rs. 1,006 crores as on 30.06.2025
